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NewChargeback Protection + Fee Intelligence for high-volume merchants. Get a savings analysis and a review of your dispute handling.See how it works
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Chargeback Protection + Fee Optimization

See how it works: high-volume merchants get automated dispute evidence, interchange optimization, and real-time savings visibility.

See how it works
Fee Check

Authentication where it earns its place

Add cardholder authentication without adding friction to every sale

3-D Secure asks the card issuer to authenticate the cardholder during an online checkout, and where authentication succeeds and network rules apply, liability for a fraudulent chargeback moves to the issuer. RapidCents triggers it by rule, on amount, geography or risk signal, rather than on every transaction, because blanket authentication costs conversion. Most authentications complete without a challenge screen; a challenge appears only where the issuer requires one. Reporting shows authentication rates and their effect on approvals.

  • Issuer-verified cardholders
  • Liability shift where it applies
  • Rules, not blanket friction
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Customer completing RapidCents 3-D Secure authentication on a phone beside a checkout laptop.
A cardholder completes 3-D Secure on RapidCents checkout, so the issuer can authenticate the online payment.
  • PCI DSS Level 1
  • SOC 2 Type II
  • Canadian support
  • Interchange-plus available
  • All major card brands: Visa, Mastercard, Amex, Interac debit

Who it's for

  • Online merchants

    Card-not-present sales carry the fraud liability.

  • International sellers

    Some regions expect authentication by default.

  • High-ticket sellers

    Larger orders justify the extra step.

Core capabilities

  • Risk-based rules

    Trigger authentication by amount, geography or risk signal instead of every transaction.

  • Frictionless flow

    Most authentications complete without a challenge screen.

  • Liability shift

    Where authentication succeeds and the rules apply, fraud liability moves to the issuer.

  • Checkout integration

    Works with hosted checkout and gateway integrations.

  • Outcome reporting

    See authentication rates and their effect on approvals.

How it works

  1. Set the rules that decide when authentication runs.

  2. At checkout, the issuer evaluates the transaction.

  3. Most authentications complete without a challenge.

  4. A challenge appears only where the issuer requires it.

  5. Reporting shows authentication and approval outcomes.

Dashboard and reporting

Transactions, deposits and exceptions visible in the RapidCents merchant dashboard.

Watch how it works…Try it, edit values and click buttons

Merchant dashboard

Today
$4,218
Deposits
$12,482
Disputes
2 open
In-person
$842
Online
$1,104
Virtual terminal
$392

Demonstration data only

Integrations

  • Merchant dashboard

    Every transaction, deposit and exception lands in one dashboard.

  • APIs and webhooks

    Connect the product to your own software with REST APIs and signed webhooks.

  • Partner connectors

    Certified connectors for common POS, ERP and commerce platforms.

Works with 3D Secure

Capabilities on the same account, so the parts below connect without a second integration or a second contract.

Security

  • PCI DSS Level 1

    Processing runs on PCI DSS Level 1 audited infrastructure.

  • Tokenization

    Card data is replaced with tokens, keeping raw credentials out of your systems.

  • Role-based access

    Permissions and audit trails control who can see and do what.

Implementation

  • Discovery

    A Canadian specialist reviews how your business gets paid today.

  • Configuration

    Accounts, users and settings are prepared before you go live.

  • Testing

    Run test transactions and confirm reporting before cutover.

  • Launch and support

    Go live with training materials and post-launch support.

Pricing

  • Transparent pricing

    Pricing depends on volume, card mix and configuration. Fee Check compares your current statement before you commit to anything.

Questions about 3D Secure

Does 3-D Secure hurt conversion?

Applied to every transaction it can. Rule-based triggering limits it to the transactions where the protection is worth the step.

What is liability shift?

Where authentication succeeds and network rules apply, liability for a fraudulent chargeback moves to the issuer.

Will customers always see a challenge?

No. Most authentications complete in the background without a challenge screen.

Does it work with hosted checkout?

Yes, and with gateway API integrations.

Does 3-D Secure apply to in-person payments?

No. It authenticates the cardholder in a card-not-present checkout, which is where the merchant carries the fraud liability. In-person sales are protected by the chip and the terminal's own encryption instead.

Which transactions should trigger authentication?

The ones where the protection is worth the extra step: larger orders, regions whose issuers expect authentication by default, and transactions your risk signals flag. Authentication and approval reporting is what tells you whether a rule is set too wide.

Does it replace fraud screening?

No. Screening applies your own rules to the transaction; 3-D Secure asks the issuer to authenticate the person behind the card. Most online merchants run both, and the rules decide which transactions get which treatment.

Is 3-D Secure charged as an extra?

It is configured on your RapidCents account alongside hosted checkout or the gateway rather than sold as separate software. Account pricing follows volume, card mix and configuration, and can be quoted interchange-plus or bundled.

Related products

Take the next step

Talk to a RapidCents specialist

RapidCents Fee Check reads a processing statement and shows interchange separately from the markup. Upload a statement for an instant breakdown, or open a merchant account and start accepting payments on one account.

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  • No obligation
  • Canadian payment specialists
  • Secure statement upload